Level 4 Tax Returns
Resume:
MONA L. DELEON
*** * ***** **** **. Spring, Tx.**388
****.********@*****.***
SUMMARY
Professional mortgage underwriter with over twenty years’ experience in residential and commercial loans, ensuring that loan files are complete and accurate. The ability to communicate effectively and work as part of a team in a fast-paced, multi-tasking environment.
CERTIFICATIONS
●DE Designation in good standing (Status Current)
●Proficient in Investor Overlay Researching Guidelines
●Proficient in TSAHC, TDHCA, SETH, MCC, and DPA programs
●Qualified in Appraisal Analysis
SOFTWARE
●DU / LP
●Encompass
●Microsoft Office Applications
PROFESSIONAL EXPERIENCE
Absolute Home Mortgage 5/22 to 2023
Level 4 Underwriter
●Conduct an analysis of rent agreement appraisals, tax returns, income statements, and credit reports for individuals and businesses.
●Expertise in conventional conforming and non-conforming mortgage loans up to high-risk loans, including FHA, FNMA, and FHLMC programs.
loanDepot 11/20 to 5/22
Level 4 Underwriter
●Conduct an analysis of rent agreement appraisals, tax returns, income statements, and credit reports for individuals and businesses.
●Expertise in conventional conforming and non-conforming mortgage loans up to high-risk loans, including FHA, FNMA, and FHLMC programs.
CMG Financial 07/19 to 11/20
Level 4 Underwriter
●Perform an analysis of tax returns, income statements, appraisals of lease agreements, and credit reports to determine personal and business financial information.
●Expertise with conforming and non-conforming mortgage loans, FHA, FNMA, FHLMC, and high-risk mortgage loans.
Mid America Mortgage 06/15 to 06/19
Level 4 Underwriter
●Detailed examination of tax returns, income statements, lease agreements, appraisals, and credit reports of individuals and businesses.
●Experienced in conforming and non-conforming conventional mortgages up to high-risk loans, FHA, FNMA, and FHLMC.
MONA L. DELEON
Wells Fargo Home Mortgage 07/13 to 6/2015
Level 4 Underwriter
●Responsible for managing and training loan processors in areas related to the mortgage industry and successfully meeting their monthly goals.
●Detailed examination of tax returns, income statements, lease agreements, appraisals, and credit reports of individuals and businesses.
●Provided training and mentoring to contract underwriters.
Wells Fargo Home Mortgage 09/12 to 07/13
Level 4 Underwriter
●In charge of training and managing loan processors in matters related to the mortgage industry and played a vital role in the team achieving their monthly goals.
●Analyzed data from personal and business tax returns, income statements, lease agreements, appraisals, and credit reports.
●Provided training and mentoring to contract underwriters.
Wells Fargo Home Mortgage 04/11 to 08/12
Level 4 Underwriter
●A key part of the team's success was the training and management of loan processors in matters relating to the mortgage industry.
●Analyzed information from tax returns, income statements, lease agreements, appraisals, and credit reports for individuals and businesses.
●Expertise in conforming, non-conforming, and high-risk mortgage loans.
●Trained and Mentored New Contract Underwriters.
Republic Mortgage Insurance Company 07/10 to 02/11
Level 4 Underwriter
●Assessed personal and business tax returns, income statements, lease agreements, appraisals, and credit reports to make loan decisions.
●Worked with multiple banks, lenders, investors, and brokers as a correspondent underwriter.
●Expert in conventional and non-conforming mortgage loans, including high-risk loans.
Wells Fargo Home Mortgage 05/09 to 07/10
Level 4 Underwriter
●Managed and trained mortgage loan processors and played a key role in the team's monthly goals and objectives.
●Examined personal and business tax returns, income statements, lease agreements, and appraisals for information.
●Expert in conventional and non-conforming mortgage loans, including high-risk loans.
●Trained and Mentored New Contract Underwriters.
Republic Mortgage Insurance Company 05/07 to 05/09
Level 4 Underwriter
●Analyzed data from personal and business tax returns, income statements, lease agreements, appraisals, and credit reports to decision loans.
●Worked with multiple banks, lenders, investors, and brokers from a Correspondent underwriting standpoint.
●Experienced in Conventional conforming and non-conforming mortgage loans up to high-risk loans.
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